Retirement
Retirement Calculator
Find the corpus you need and the monthly saving to get there. Move the sliders or type exact numbers — results update instantly.
Formula checked by Naman, Fistotex founderLast updated Free · No sign-up · Runs in your browser
Your inputs
Monthly saving needed
₹28,666
- Monthly expenses at retirement
- ₹3,44,609
- Projected savings corpus
- ₹1,14,46,148
- Corpus required
- ₹9,25,78,174
- Shortfall
- ₹8,11,32,026
Figures are estimates based on the inputs and assumptions shown. Actual outcomes will differ. This is not financial advice.
Guide
Retirement Calculator: what it does and when to use it
A retirement calculator estimates the corpus you will need to cover your expenses after you stop working, adjusted for inflation, and the monthly saving needed to build it by your retirement age.
Small changes have large effects over decades. Try retiring a few years later, saving a little more, or assuming a lower return to see how robust your plan is.
How to use it: set each input with the slider or type an exact figure. Results, the chart and the shareable link update instantly.
- Current age
- 30 years
- Retirement age
- 60 years
- Life expectancy
- 85 years
- Current monthly expenses
- ₹60,000
- Current savings set aside
- ₹5,00,000
- Expected inflation
- 6%
- Return before retirement
- 11%
- Return after retirement
- 7%
- Monthly expenses at retirement
- ₹3,44,609
- Projected savings corpus
- ₹1,14,46,148
- Corpus required
- ₹9,25,78,174
- Shortfall
- ₹8,11,32,026
- Monthly saving needed
- ₹28,666
Method
How this calculation works
The exact formula and assumptions behind the numbers above.
Formula
Required corpus = PV of inflation-adjusted expenses over the retirement years
Expenses are paid at the start of each retirement year and grow with inflation, so they are discounted at the real return: (1 + return) ÷ (1 + inflation) − 1.
Assumptions
- Expenses are inflated to your retirement date first.
- The corpus is the present value of those expenses across retirement.
- Existing savings are grown to retirement and netted off.
Questions
Frequently asked questions
Why does inflation matter so much?
At 6% inflation, monthly expenses roughly triple in 20 years. Ignoring it is the most common retirement planning mistake.
Should I include a pension?
If you expect a pension or annuity, subtract its present value from the required corpus before setting your target.
How much money do I need to retire in India?
A common starting point is 25–30 times your expected annual expenses at retirement, measured in future rupees after inflation. Your own figure depends on lifestyle, health costs and other income.
What is the 4% rule?
It suggests withdrawing about 4% of your corpus in the first year and adjusting for inflation afterwards. With higher Indian inflation, many planners use a more conservative 3–3.5%.
Disclaimer
This calculator is an educational tool. It provides estimates based on the inputs and assumptions shown, and does not constitute personalised financial, investment or tax advice. Actual returns, interest, taxes and fees will vary. Please consult a qualified professional before making financial decisions.